I have a credit card from Zhang Zhongxin Bank, which has not been returned for two months. What do you mean by sending me a message saying that you want to conduct a risk investigation?

This is because your credit card has been in arrears for a long time, and every bank is different. For example, ICBC and CCB freeze your account after the repayment period, and then charge a certain repayment late fee every day from the date of freezing. In your case, it's overdue, and the bank urges you to do a credit evaluation. For example, if you overdraw 1 0,000, it may be 1 0,000.50000000066, but at the ATM, you owe 0. 1, and he doesn't show it, then it is possible that you think you still owe 1000, but in fact you still owe/kloc. I just owed 1 gross last time, and the account was frozen before I noticed the result.